Sema Construction, Inc.

Centennial, CO ConstructionNAICS 236200

Self-funded health planPlan year 2025Renews February
829Participants+11% vs. prior year
$2.0MEst. pharmacy spend / yrParticipants × national avg.
Feb 2027Next renewalPlan year begins February 1
#8 of 13Construction in COBy participants

Overview

Sema Construction, Inc. sponsors a self-funded health plan that covered 829 participants in plan year 2025, up 11% from the prior year. The plan year starts in February. Alongside medical, its benefits filing reports life insurance, dental, vision, short-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
829 · prior year 748
Plan year
Begins February 1 · next renewal February 2027
Health plans filed
Sema Construction, Inc. Welfare Benefit Plan, plan 501 (829 participants)
Broker compensation
$21K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefits

Insurance carriers

Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.

CarrierCoverageCoveredPremiumBroker comp
UnitedHealthcare Insurance CompanyVision, Life, Long-term disability1,032$350K$21K

Pharmacy benefit estimate

StreamRX estimate for a plan this size. Not based on this plan's claims.

$2.0M/ year

Estimated prescription spend: 829 participants × $2,371 national average per member. Usually higher once dependents are counted.

$51K–$126K/ year

Typical savings opportunity found in independent reviews of plans this size.

Brands with a generic available$15K–$37K
Lower-cost therapeutic alternatives$22K–$46K
Generic pricing vs. actual cost$9K–$28K
PBM contract terms$5K–$15K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning February 2028: semiannual PBM compensation reports and an annual audit right.

Form 5500 filing details

Filing
Form 5500 with Schedule A, plan year 2025
Plan sponsor
Sema Construction, Inc.
Sponsor EIN
84-1163868
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 84-1163868 in the Department of Labor's EFAST2 Form 5500 search.

About this data

Source: Sema Construction, Inc.'s Form 5500 filing for plan year 2025 and its Schedule A insurance reports, published by the U.S. Department of Labor. "Self-funded" means the filing reports benefits paid from employer assets or a trust, with no medical insurance contract or with a stop-loss contract. Pharmacy figures are StreamRX estimates based on national averages. StreamRX is not affiliated with Sema Construction, Inc..

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